Yes. You can dispute interest or fees that have been added to your account if you believe they have no valid contractual basis. A charge cannot simply be added because it is convenient for the creditor — it must be authorised by the terms of your original agreement.
What is disputable:
- Interest charged at a rate not specified in the original contract or terms of trade.
- Interest charged where the original agreement makes no provision for interest on overdue amounts at all.
- Recovery costs or administration fees not disclosed in the original terms of trade.
- Any charge that appears to have been added without a clear, prior contractual basis.
What is generally not disputable:
- Interest at a rate clearly stated in a signed contract or terms of trade you received before the debt arose.
- Recovery costs expressly allowed by a clause in the original terms of trade.
How to dispute a charge: Use the Dispute a Debt form and specify which charge or charges you are questioning. If you have a copy of the original contract or terms of trade, attach it — this makes the review straightforward. We will check the original terms with the creditor and respond to you in writing. The disputed amount is not payable while the investigation is under way.
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